Bank of the James Financial Group (BOTJ) Cash Flow: Operating & Free Cash Flow

Bank of the James Financial Group Cash Flow Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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Cash flow statement showing operating, investing, and financing activities for Bank of the James Financial Group, Inc. (BOTJ) - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Operating Activities
Net Income	9.02	7.94	8.70	8.96	7.59	4.98	5.61	5.30	2.92
Depreciation & Amortization	1.89	1.94	1.97	2.61	2.06	2.03	1.67	0.93	0.81
Deferred Income Tax	0.00	0.03	-0.36	-0.01	0.11	-0.84	-0.02	-0.13	0.76
Stock Based Compensation	0.00	0.00	0.00	0.00	0.11	0.11	0.11	0.00	0.00
Change in Working Capital	1.41	1.82	-2.74	-0.80	0.90	-0.92	-0.05	0.16	-0.31
Change in Accounts Receivable	-0.32	-0.23	-0.10	-0.67	0.29	-0.48	-0.12	0.24	-0.49
Change in Accounts Payable	0.45	0.24	0.39	0.04	-0.04	-0.09	0.05	0.02	0.02
Change in Other Working Capital	1.28	1.81	-3.03	-0.17	0.65	-0.34	0.03	-0.09	0.15
Other Operating Activities	-0.77	-3.22	1.91	-1.45	5.58	-0.16	-1.72	2.31	2.53
Net Cash from Operating Activities	11.66	8.51	9.49	9.31	16.35	5.20	5.59	8.57	6.72
Investing Activities
Capital Expenditures	-1.17	-2.55	-1.57	-1.19	-2.91	-1.75	-4.40	-2.30	-1.92
Acquisitions	0.00	0.00	0.00	-0.82	-10.40	0.00	0.00	0.00	0.00
Purchases of Investments	0.00	-20.85	-34.85	-77.49	-84.53	-51.15	-16.99	-1.00	-29.83
Sales/Maturities of Investments	0.00	47.21	12.13	19.40	8.36	23.15	12.90	4.20	13.17
Other Investing Activities	-0.36	-34.98	0.97	-28.03	24.45	-32.30	-44.04	-39.67	-28.14
Net Cash from Investing Activities	-42.40	-11.17	-23.34	-88.13	-65.03	-62.05	-52.53	-38.77	-46.71
Financing Activities
Debt Repayment	-11.01	-0.99	-0.94	-0.89	10.57	-5.41	-0.16	0.00	5.00
Common Stock Issued	0.00	0.00	0.00	0.00	0.00	10.03	0.00	0.00	0.00
Common Stock Repurchased	0.00	0.00	-1.00	-1.40	-0.43	-0.28	-0.32	0.00	0.00
Dividends Paid	-1.82	-1.82	-1.46	-1.37	-1.27	-1.22	-1.23	-1.05	-1.05
Other Financing Activities	54.73	3.95	30.32	-38.92	122.09	115.51	37.42	44.55	44.38
Net Cash from Financing Activities	41.90	1.14	26.92	-42.57	130.95	118.63	35.72	43.50	48.33
Summary
Net Change in Cash	11.17	-1.53	13.08	-121.39	82.27	61.78	-11.21	13.31	8.34
Cash at Beginning of Period	73.31	74.84	61.76	183.15	100.89	39.11	50.33	37.02	28.68
Cash at End of Period	84.48	73.31	74.84	61.76	183.15	100.89	39.11	50.33	37.02
Free Cash Flow	10.50	5.96	7.92	8.12	13.44	3.45	1.19	6.27	4.80
Supplemental Disclosures
Interest Paid	-	15.17	9.23	2.11	2.14	-	-	-	-
Income Taxes Paid	-	1.85	1.87	2.18	2.55	-	-	-	-

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About Bank of the James Financial Group Cash Flow

What is Bank of the James Financial Group's free cash flow?

Bank of the James Financial Group generated free cash flow of $10.49M in fiscal 2025 (fiscal year ended Dec 31, 2025), operating cash flow of $11.66M minus $1.17M of capital expenditures. That was up 76.1% from $5.96M a year earlier. Free cash flow equaled 16.8% of revenue.

How much does Bank of the James Financial Group spend on capital expenditures?

Bank of the James Financial Group spent $1.17M on capital expenditures in fiscal 2025, compared with $2.55M a year earlier. That equals 10.0% of operating cash flow.

Does Bank of the James Financial Group pay dividends or buy back shares?

Yes. In fiscal 2025 Bank of the James Financial Group returned $1.82M in dividends to shareholders, according to its cash flow statement.

What is free cash flow?

Free cash flow is operating cash flow minus capital expenditures. It is the cash a company has left for dividends, buybacks, debt repayment or acquisitions after funding its operations and investment. Full definition